Rates effective November 1, 2025
FIXED RATE CERTIFICATE SPECIALS |
Interest Rate | APY* |
|---|---|---|
| 5 Month CD | 3.51% | 3.55% |
| $2,500 minimum to open. Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. The 5 month special is not available as retirement certificates (IRAs). | ||
REWARDS CHECKING |
Interest Rate | APY* |
| $0.00 - $15,000 (if eligibility requirements are met) | 1.25% | 1.26% |
| Over $15,000 (if eligibility requirements are met) | .01% | ranging from 1.26% - .01% |
| $10 minimum to open. Variable rate account. The rate may change after the account is opened. Eligibility requirements means 10 debit card transactions and direct deposit(s) totaling $100 or more posted and cleared per statement cycle, plus enrollment in online banking and eStatements. If qualifying account activity is not met, APY is 0.01%. Personal accounts only. | ||
RELATIONSHIP CHECKING PREMIER |
Interest Rate | APY* |
| $.00 and over (if eligibility requirements are met) | .11% | .11% |
| $10 minimum to open. Variable rate account. The rate may change after the account is opened. A $15 monthly fee will apply if eligibility requirements are not met. Eligibility requirements means: combined deposit balances of $10,000 or more in checking, savings, CD, or IRA accounts; direct deposit of $500 or more posted and cleared per statement cycle. Personal accounts only. | ||
LIFELINE 18/65 CHECKING |
Interest Rate | APY* |
| $0.00 | .01% | .01% |
| $10 minimum to open. Variable rate account. The rate may change after the account is opened. Must be 18 years of age or younger or 65 years of age or older to qualify. Personal accounts only. | ||
MONEY MARKET |
Interest Rate | APY* |
| $500,000 - $999,999.99 | .40% | .40% |
| $100,000 - $499,999.99 | .40% | .40% |
| $50,000 - $99,999.99 | .40% | .40% |
| $25,000 - $49,999.99 | .20% | .20% |
| $10,000 - $24,999.99 | .20% | .20% |
| $1,000 - $9,999.99 | .10% | .10% |
| $0 - $999.99 | .05% | .05% |
| $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. | ||
FIXED RATE CERTIFICATES & IRAs |
Interest Rate | APY* |
| 3 Month CD | .25% | .25% |
| 6 Month CD | .50% | .50% |
| 12 Month CD | .75% | .75% |
| 12 Month IRA | 3.49% | 3.55% |
| 18 Month CD/IRA | .85% | .85% |
| 24 Month CD/IRA | 1.00% | 1.00% |
| 36 Month CD/IRA | 1.14% | 1.15% |
| 48 Month CD/IRA | 1.24% | 1.25% |
| 60 Month CD/IRA | 1.29% | 1.30% |
| Minimum balance requirement of $500 to earn interest. Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. 3 and 6 month terms are not available as retirement certificates (IRAs). | ||
SAVINGS ACCOUNTS |
Interest Rate | APY* |
| $10 and over | .10% | .10% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
HOLIDAY CLUB ACCOUNT |
Interest Rate | APY* |
| $10 and over | .05% | .05% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
COMMERCIAL MONEY MARKET |
Interest Rate | APY* |
| For rates, contact Chris Connors, Treasury & Business Relationship Officer, at 978.343.2214. | ||
| $2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.
Routing # 211370736
NMLS # 769125